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DPX DPX Docs

Agent Quick Start

DPX is the payment and settlement layer for the agentic internet. Any agent can discover DPX, get a binding fee quote, check oracle conditions, and execute a cross-border settlement end-to-end — no onboarding, no API key, no human step. The x402 USDC payment IS the authorization: agents pay the gross settlement amount and execution proceeds.

What you’re working with

Section titled “What you’re working with”

The DPX settlement stack has three layers:

LayerWhat it does
Stability Oracle10-layer signal pipeline. Returns STABLE / CAUTION / UNSTABLE with confidence score and reasoning. Agents check this before every large settlement.
Settlement AgentCloudflare Worker. Receives payment instructions, applies oracle conditions and compliance checks, and calls the router.
DPXSettlementRouter v2.0On-chain contract (Base). Accepts any whitelisted ERC-20 (USDC, EURC, USDT). Enforces fees, sends net to recipient.

No DPX token required in the payment flow. The router accepts USDC, EURC, USDT — whichever stablecoin you’re settling in. 1:1 is maintained by the stablecoin issuers (Circle, etc.). The Stability Oracle monitors FX stress and the Settlement Agent holds during CAUTION periods.

The 5-step settlement loop

Section titled “The 5-step settlement loop”

Step 1 — Discover

Section titled “Step 1 — Discover”
Terminal window
GET https://agent.untitledfinancial.com/manifest

Returns everything an agent needs to transact from a cold start — capabilities, x402 payment requirements, oracle endpoints, ESG preflight URL, webhook signature algorithm, and contract addresses. Cache this — it only changes on protocol upgrades.

{
  "name": "DPX Settlement Agent",
  "version": "2.1.0",
  "capabilities": ["quote", "settle", "webhook", "status", "x402"],
  "supportedAssets": ["USDC", "EURC", "USDT"],
  "oracle": "https://stability.untitledfinancial.com",
  "network": "Base (chainId 8453)",
  "docs": "https://docs.untitledfinancial.com/agent-quickstart"
}

Step 2 — Get a fee quote

Section titled “Step 2 — Get a fee quote”
Terminal window
GET https://agent.untitledfinancial.com/quote?amountUsd=1000000&hasFx=true&esgScore=75

Returns a full fee breakdown. The quoteId is valid for 300 seconds and used for on-chain verification.

{
  "quote": {
    "quoteId": "dpx_a1b2c3d4e5f6...",
    "validForSeconds": 300,
    "fees": {
      "core":    { "bps": 85,    "usd": 8500 },
      "fx":      { "bps": 40,    "usd": 4000 },
      "esg":     { "bps": 12.5,  "usd": 1250, "score": 75 },
      "license": { "bps": 1,     "usd": 100 },
      "total":   { "bps": 138.5, "pct": 1.385, "usd": 13850 }
    },
    "settlement": {
      "netUsd": 986150,
      "grossUsd": 1000000
    }
  },
  "stabilityScore": { "overall": 87, "status": "CAUTION" },
  "intelligence": {
    "reasoning": "Yield curve showing mild inversion signal. FX markets stable. Recommend proceeding for amounts under $100K.",
    "confidence": 0.84,
    "outlook": "STABLE"
  },
  "recommendation": "EXECUTE"
}

Step 3 — Gate on oracle conditions

Section titled “Step 3 — Gate on oracle conditions”

Oracle status drives the settlement decision:

StatusScoreAgent action
STABLE90–100Execute immediately
CAUTION75–89Execute under $100K — hold larger amounts
UNSTABLE< 75Hold — notify sender, retry later
peg.deviationBps >= 50—Hold regardless of score

The Settlement Agent applies this logic automatically when you call /settle. For direct integration, check recommendation in the quote response.

Step 4 — Execute via the Settlement Agent (x402)

Section titled “Step 4 — Execute via the Settlement Agent (x402)”

Live settlements use the x402 payment standard — no API key, no account. The fee payment IS the authorization.

First call — receive a quote and payment requirements:

Terminal window
curl -X POST https://agent.untitledfinancial.com/settle \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 1000000,
    "sourceCurrency": "USD",
    "destinationCurrency": "USD",
    "recipientAddress": "0xRecipientWalletAddress",
    "purpose": "intercompany",
    "referenceId": "INV-2026-001"
  }'

Response — 402 Payment Required:

{
  "x402Version": 1,
  "accepts": [{
    "scheme": "exact",
    "network": "base-mainnet",
    "maxAmountRequired": "1013850000000",
    "resource": "https://agent.untitledfinancial.com/settle",
    "description": "DPX Settlement — 1013850.00 USDC gross. Net to recipient: 1000000.00 USDC. Fees: 139 bps (13850.00 USDC).",
    "payTo": "0xExecutorWalletAddress",
    "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913"
  }],
  "settlementNonce": "a1b2c3d4-...",
  "preview": {
    "grossUsd": 1013850,
    "netAmountUsd": 1000000,
    "feesTotalUsd": 13850,
    "feeBps": 139,
    "oracleStatus": "STABLE",
    "esgScore": 75
  }
}

Retry with payment — attach X-PAYMENT header and settlementNonce:

import { withPaymentInterceptor } from 'x402-fetch';
import { createWalletClient, http } from 'viem';
import { base } from 'viem/chains';


const wallet = createWalletClient({ chain: base, transport: http() });
const fetchWithPayment = withPaymentInterceptor(fetch, wallet);


const result = await fetchWithPayment(
  'https://agent.untitledfinancial.com/settle',
  {
    method: 'POST',
    headers: { 'Content-Type': 'application/json' },
    body: JSON.stringify({
      amount: 1000000,
      sourceCurrency: 'USD',
      destinationCurrency: 'USD',
      recipientAddress: '0xRecipientWalletAddress',
      purpose: 'intercompany',
      referenceId: 'INV-2026-001',
      settlementNonce: 'a1b2c3d4-...',   // from the 402 response
    }),
  }
);

Response (executed):

{
  "settlementId": "dpx_7f8a9b2c...",
  "status": "executed",
  "txHash": "0xabc123...",
  "netAmount": 1000000,
  "grossAmount": 1013850,
  "feesTotal": 13850,
  "token": "USDC",
  "recipient": "0xRecipientWalletAddress",
  "oracleStatus": "STABLE",
  "oracleScore": 91,
  "esgScore": 75,
  "reasoning": "Oracle conditions are stable. Yield curve normal, FX stress low. Executing immediately. [x402 payment verified]",
  "timestamp": "2026-04-23T14:32:00Z",
  "sandboxMode": false
}

Response (held — UNSTABLE oracle):

The Settlement Agent returns 202 before asking for payment if oracle conditions are UNSTABLE. No payment is requested until conditions improve.

{
  "status": "held",
  "oracleStatus": "UNSTABLE",
  "oracleScore": 44,
  "reasoning": "Peg deviation 62 bps exceeds 50 bps threshold — holding until peg stabilises.",
  "hint": "Oracle conditions UNSTABLE. Retry when oracle returns CAUTION or STABLE.",
  "timestamp": "2026-04-23T14:32:00Z"
}

Step 5 — Verify on-chain

Section titled “Step 5 — Verify on-chain”

Every settled transaction is verifiable:

Terminal window
# Base Blockscout (Base Mainnet)
https://base.blockscout.com/tx/<txHash>


# Or query the router directly
cast call 0x<ROUTER_V2_ADDRESS> \
  'previewFees(uint256,bool,address,address)' \
  1000000000000 false 0x0...0 0x<USDC_ADDRESS> \
  --rpc-url https://mainnet.base.org

The on-chain Settlement event includes: sender, recipient, token, gross amount, all fee components, net amount, ESG score, and the quoteId — a permanent immutable audit trail.

Webhook integration

Section titled “Webhook integration”

Any system (TMS, ERP, n8n, Zapier) can trigger DPX via webhook with no custom code. The agent auto-maps common field names:

Terminal window
curl -X POST https://agent.untitledfinancial.com/webhook \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 50000,
    "currency": "USD",
    "destination_currency": "USD",
    "recipient": "0xRecipientWalletAddress",
    "reference_id": "INV-2026-001",
    "type": "vendor-payment"
  }'

Accepted field names → see full mapping.

Sandbox mode

Section titled “Sandbox mode”

All endpoints support sandbox mode: real oracle checks, real fee calculations, no on-chain execution.

Terminal window
# Add sandbox=true to any settle request
curl -X POST https://agent.untitledfinancial.com/settle \
  -d '{ ..., "sandbox": true }'

Or use the Stability Oracle quote endpoint directly:

Terminal window
GET https://stability.untitledfinancial.com/quote?amountUsd=1000000&hasFx=true&esgScore=75&sandbox=true

Direct on-chain execution (advanced)

Section titled “Direct on-chain execution (advanced)”

For agents that call the router directly without the Settlement Agent:

import { ethers } from 'ethers';


const ROUTER_ABI = [
  'function settle(address recipient, uint256 grossAmount, bool isCrossCurrency, bytes32 quoteId, address tokenAddress) external returns (uint256 netAmount)'
];


const provider = new ethers.JsonRpcProvider('https://mainnet.base.org');
const wallet = new ethers.Wallet(process.env.PRIVATE_KEY!, provider);
const router = new ethers.Contract(ROUTER_V2_ADDRESS, ROUTER_ABI, wallet);


// Approve USDC spend first
const usdc = new ethers.Contract(USDC_ADDRESS, ['function approve(address,uint256) external'], wallet);
await usdc.approve(ROUTER_V2_ADDRESS, grossAmountRaw);


// Execute settlement
const tx = await router.settle(
  recipientAddress,
  grossAmountRaw,        // in USDC units (6 decimals)
  isCrossCurrency,
  quoteIdBytes32,
  USDC_ADDRESS
);


const receipt = await tx.wait();
console.log(receipt.hash);

Integration guides

Section titled “Integration guides”